Free tool — no email required

Agency Break-Even Calculator — Free AGI Analysis

Break-even AGI is the minimum Agency Gross Income your business needs this month to cover payroll, fixed overhead, and your own target pay — the number that tells you whether a "busy" month was actually a profitable one. Enter your real payroll, overhead, and target pay and see your real break-even figure against your actual AGI, instantly.

The tool is free and needs no email. If you're below break-even, the full Agency Financial Operating System has the hiring-scenario planner and monthly review workflow to close the gap — $299, see what it covers.

Team headcount (FTE, including yourself if billable) Total monthly gross billings ($) Monthly pass-through costs ($)

Media spend, licensed software, white-label/contractor work billed straight through to clients.

Total billable hours logged this month (whole team) Monthly payroll + fixed overhead ($)

Everything except owner draw — salaries, rent, software, insurance.

Target monthly owner compensation ($)

Fill in the six fields and click "See my real numbers" — your results appear here, computed entirely in your browser. Nothing is sent to Instilus except an anonymous "diagnostic completed" event with no dollar figures attached.

Available hours assumes 160 hours/month per FTE, a standard full-time baseline — your real available hours may be lower once PTO/holidays are accounted for. Delivery margin here approximates direct delivery cost using total payroll + overhead as a proxy; the full Agency Financial Operating System separates direct delivery cost from full overhead per person for a more precise number.